How to use the provident fund to buy a house
1, loan consultation. First of all, the applicant should consult the loan to understand what materials are needed to buy a house with the provident fund. Then receive the "Personal Housing Provident Fund Loan Folder for First-hand Housing" and fill it out as required, and submit it to the entrusted bank.
2. Submit an application. The borrower shall submit the original and photocopy of the household registration book, identity card and marriage certificate of both husband and wife. Single, the civil affairs department issued a single certificate, the first payment receipt and the real estate department for the record of the purchase contract of not less than 20% of the total house price.
3, loan acceptance, the bank for the first instance. The entrusted bank will review the materials submitted by the loan applicant to verify the authenticity of the materials. For those who meet the requirements, the loan term, loan interest rate and repayment method shall be agreed with the borrower according to the trial results and repayment ability.
4. Sign the contract. After the loan is approved in the first instance, the bank will sign a loan mortgage contract with the borrower and fill in the relevant property mortgage registration.
5. Mortgage registration and bank review. The entrusted bank goes to the real estate mortgage registration department for mortgage registration, and the entrusted bank examines the applicant's loan application materials.
6. The provident fund management center conducts the final review and then issues loans. The provident fund management center shall conduct a final review of the loan materials approved by the entrusted bank. After the final approval, the provident fund management center will transfer the loan funds to the account of the selling unit through the entrusted bank.
What are the precautions for buying a house with provident fund?
1. Provident fund cannot be directly used as down payment for house purchase. Buyers need to pay the down payment first, and then bring relevant materials to extract the balance of the provident fund.
2. The total withdrawal from the provident fund cannot exceed the total house payment. After the provident fund loan is settled, you can also use the provident fund to buy a house.
Summary of the article: The above is the related content of how to buy a house with provident fund introduced by Bian Xiao, hoping to help friends in need.